How to modify the statement date of Bank of Communications credit card

It is understood that the statement date of Bank of Communications credit card can be modified. There are two most commonly used methods:

1. Online modification: Cardholders can install the Bank of Communications Pay Bar on their mobile phones, and then shake the Pay Bar to enter the service hall → click "Harassment Customer Service" and search for "Bill Date Modification" to make modifications.

2. Telephone modification: Users can call Bank of Communications’ credit card customer service hotline at 400-800-9888, and then follow the customer service’s instructions to complete the modification of the statement date.

There is no need to calculate the credit card statement date and repayment date. They are already set by the bank for the cardholder when the credit card is issued.

The credit card repayment date is generally 20-25 days after the statement date. It should be noted that different users and different banks have different billing date and repayment date settings.

The billing date of a credit card, as the name implies, refers to the day when the bill is formed. The credit card issuing bank will summarize and settle the various transactions and expenses that occurred in the credit card account on a fixed day every month, calculate the total amount owed and the minimum repayment amount for the current period, and form a bill for the current period. This day is the bill date.

In the past, banks would mail bills to users, but now more electronic bills are used, and users are more accustomed to getting bills through text messages or APPs.

The repayment date refers to the deadline for repaying the debt. The bank will list the repayment date on the bill. The specific date of repayment is generally about 25 days after the bill date, but it will vary from bank to bank.

The billing date of a credit card is usually a date randomly determined by the bank during the credit card approval stage. Once the billing date is determined, it means that the repayment date is also determined. From the perspective of actual use needs, these two dates may not fit the card user's personal situation, so some banks allow card users to adjust them.

The billing date of a credit card, as the name implies, refers to the day when the bill is formed. The credit card issuing bank will summarize and settle the various transactions and expenses that occurred in the credit card account on a fixed day every month, calculate the total amount owed and the minimum repayment amount for the current period, and form a bill for the current period. This day is the bill date. In the past, banks would mail bills to users, but now more electronic bills are used, and users are more accustomed to getting bills through text messages or APPs.

The repayment date refers to the deadline by which the debt needs to be repaid. The bank will list the repayment date on the bill. The specific date of repayment is generally about 25 days after the bill date, but it will vary from bank to bank.

The billing date of a credit card is usually a date randomly determined by the bank during the credit card approval stage. Once the billing date is determined, it means that the repayment date is also determined. From the perspective of actual use needs, these two dates may not fit the card user's personal situation, so some banks allow card users to adjust them.

Want to change the credit card statement date? These matters must be clear

After using a credit card for overdraft consumption, you must repay on the monthly repayment date. However, if you are short of funds and do not want to apply for installments or make the minimum repayment, you can modify the bill. The repayment period will be extended in the future. However, you can’t just change the credit card statement date if you want. You must pay attention to some things.

First of all, check whether the card issuing bank supports modifying the statement date.

Most bank credit cards can modify the statement date, but Agricultural Bank of China cannot. Only business cards, iQiyi cards, Only special card types such as QQ card, Guangdong Yuetong ETC card, and Xiami Music co-branded credit card can modify the billing date. We will not mention it here.

Secondly, make modifications within the specified date

1. Bank of China: You can choose any date between the 1st and the 28th;

2. China Construction Bank: The available billing dates are 2, 4, 7, 9, 10, 12, 15, 17, 19, 21, and 27;

3. Bank of Communications: The available billing dates are There are 2, 4, 6, 19, 21, and 27;

4. China Merchants Bank: The available statement dates are 2, 3, 5, 10, 12, 14, 22, and 25

5. Shanghai Pudong Development Bank: The available statement dates are 1, 3, 8, 14, 17, 19, 20, 22, 23, 25, 26

6. Huaxia Bank: Yes The available billing dates are 3, 6, 8, 11, 13, 15, 18, 21, 23, 25, 28

7. Ping An Bank: The available billing dates are 3, 5, 7, 10, 13, 15, 17, 20, 22, 25

Because there are too many banks, only a few mainstream banks have listed the billing dates that can be selected. For other banks, you can call the service hotline of the card issuer to consult customer service. .

Finally, learn about the modification of the statement date

1) There is a credit card balance that needs to be paid off before modification can be made;

2) There is a limit to the number of modifications to the credit card statement date. Usually once every six months or twice a year, depending on the card issuing bank;

3) There are many ways to modify the credit card statement date. The simplest way is to directly call the card issuing bank’s service hotline and consult customer service;

4) After the credit card statement date is modified, it will generally take effect from the next month.

How to modify the repayment date of a credit card

Because the credit card repayment date generally depends on the billing date of the credit card, it is basically either the 20th day after the billing date or the 25th day after the billing date. sky. So if you want to change the repayment date of your credit card, just change the billing date of your credit card.

Different credit cards have different billing dates, because the billing dates are generally randomly assigned by the system. Some bank credit cards can change the billing date, while others cannot. This must be clear before you go to change the billing date.

Product Origin

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.

In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks.

By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.

In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95 countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

How to modify the bill date of Minsheng Bank credit card

The method to modify the bill date of Minsheng Bank credit card is as follows:

1. Cardholders can call Minsheng Bank credit card customer service Call 400-669-5568 and use manual customer service to make modifications.

2. Cardholders can also bring their credit card and identity document to any Minsheng Bank branch to modify the bill date at the counter.

3. At the same time, you can also log in to the Minsheng Bank National Life APP and click "Finance" - "Change Date" to make changes.